My question involves collection proceedings in the State of: Illinois
Hey there! I consider myself a casual poker player and recently began playing poker on a poker site that claims to be legal in the US. Basically I was tricked into believing that what I was doing was legal. I've been playing there for the past month or so and since then have made a few deposits coming out to a total of ~$700. Anyways, recently I had technical difficulties on the site costing me over $100 and called their customer support. After being on the phone with them for over an hour on issues that were definitely their fault, they refused to refund even the $20 that I was asking of them.
Out of frustration, I did lots of research on the site and realized that what I was doing was illegal, and what they are doing is VERY illegal. Basically, in order to get around US cards accepting charges, they have 3rd party companies receive the charges which basically launder the money to the gambling sites. At this point I've found hundreds of threads discussing similar situations and have come to the consensus that I can pretty safely charge back my money and that I will basically lose all funds I still have left on the account, but that they won't be able to come after me for fraud because they are international and that the debt is illegal in the United States.
A little note that about $200 of the charges were on my credit card, the rest were on a debit card.
My biggest concerns are if the offshore companies can somehow affect my credit score (I'm only 19, my credit score will be very important for me the next 7 years) and will my credit card or debit card companies delete my accounts?
If I do charge back what should be the reason for me charging back? Should I say that the goods/services were different than I had thought because their program was costing me $$? Can I say that I never received the charges because the charges on my bill were coming from companies that I was never dealing with? (These laundering companies show up as flower shops, shoe shops, technology stores, etc and I never did any business with those companies)
Thanks in advance for the advice! Please let me know if you need any other information
Hey there! I consider myself a casual poker player and recently began playing poker on a poker site that claims to be legal in the US. Basically I was tricked into believing that what I was doing was legal. I've been playing there for the past month or so and since then have made a few deposits coming out to a total of ~$700. Anyways, recently I had technical difficulties on the site costing me over $100 and called their customer support. After being on the phone with them for over an hour on issues that were definitely their fault, they refused to refund even the $20 that I was asking of them.
Out of frustration, I did lots of research on the site and realized that what I was doing was illegal, and what they are doing is VERY illegal. Basically, in order to get around US cards accepting charges, they have 3rd party companies receive the charges which basically launder the money to the gambling sites. At this point I've found hundreds of threads discussing similar situations and have come to the consensus that I can pretty safely charge back my money and that I will basically lose all funds I still have left on the account, but that they won't be able to come after me for fraud because they are international and that the debt is illegal in the United States.
A little note that about $200 of the charges were on my credit card, the rest were on a debit card.
My biggest concerns are if the offshore companies can somehow affect my credit score (I'm only 19, my credit score will be very important for me the next 7 years) and will my credit card or debit card companies delete my accounts?
If I do charge back what should be the reason for me charging back? Should I say that the goods/services were different than I had thought because their program was costing me $$? Can I say that I never received the charges because the charges on my bill were coming from companies that I was never dealing with? (These laundering companies show up as flower shops, shoe shops, technology stores, etc and I never did any business with those companies)
Thanks in advance for the advice! Please let me know if you need any other information
Disputing Debts: Charging Back Online Gambling on a Cc
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